Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,532

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  • 4.7
  • 4.9
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  • 496
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Updated: May 29, 2024

Pets can be full of surprises-so their insurance coverage shouldn’t be. That’s why Trupanion is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1 Based on a November 2020 internal study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. * Terms and Conditions apply. Policy details vary by state, please review your states policy for full coverage details. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products. Source: Survey commissioned by dvm360, from April 19-June 9, 2022
5

out of 5

POSTED: | BY: Paula Fatersik

Very pleased with Trupanion

I have been very pleased with the help and support received from Trupanion. My kitten developed asthma and underwent many costly tests recently and she is currently on medications to treat her condition. The coverage I chose has been a lifesaver and Trupanion representatives have been wonderful. They are prompt with follow ups and status reports regarding my claims. Once I fax in my paperwork, the process begins within a day which is great. I do recommend this company to others.
5

out of 5

POSTED: | BY: Leo

Trupanion is wonderful and truly covers 90%

Trupanion is wonderful, my peke-pom just had to have the etropian surgery on both of his eyes and the covered 90%, almost 720.00 no questions asked and the claim was handled very quickly!
5

out of 5

POSTED: | BY: Kate

Great job!

When my dog got hit by a car and needed several thousands in medical bills, Trupanion was very timely in getting things filed, I loved the emails that kept me up to date on the claim (generally before I thought to ask) and the payment processing was fast. I got my check in about 12 business days. I LOVE Trupanion's 90/10 payout rate and how they handled the deductible was really helpful, too (they pulled it out of the larger bill so I got reimbursed for my local vet visit as well as the much larger referral hospital visit.
5

out of 5

POSTED: | BY: Andrew

Great company to work with

Our dog has been dealing with allergies that cause her to itch uncontrollably and during the course of treatment she has reacted to the medications on more than one occasion. Trupanion has paid all claims promptly and has not denied anything, including reactions to treatment. I wish they would cover the visit fee at the emergency animal hospital, but I understand that there are limits. I do very much appreciate the once per condition deductible, so we have only paid the deductible once for all of her allergy treatments. I very much recommend trupanion if you are looking for pet insurance.
5

out of 5

POSTED: | BY: Carol Renzullo

Excellent Pet Insurance

Excellent insurance. We were recommended by a friend to join Trupanion and are so glad we did. Recently our dog needed to have surgery on an ACL injury and the claims were paid soon after. They kept in contact by e-mail with every update on our claim. Previous to this we had another issue with her health and this was also paid. We are very pleased with Trupanion and have recommended it to other fiends and family. Thank you for such good care

Monthly Cost

Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.

Coverage

Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.

Payout Limits

The Trupanion policy* has no payout limits, so whether your pet needs one quick visit or a lifetime of care, your coverage won’t quit. That can mean a big difference if your pet develops a chronic condition requiring extended care like allergies, diabetes, or even cancer.

Deductible

If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.

Age Limits

All new pets can enroll from birth until their 14th birthday. Once your pet is enrolled, they can be enrolled for life

Waiting Period

Waiting periods vary by state. Please see your states policy for full coverage details. However, other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

Exclusions

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like many other pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! * Terms and Conditions apply. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay. Underwritten in Canada by Omega General Insurance Company and GPIC Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products.
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. We’re committed to sharing industry data, supporting animal welfare organizations, and working with federal and state regulators to help more pets get better care. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience Nearly $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals

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